{"id":198807,"date":"2025-04-14T18:00:17","date_gmt":"2025-04-14T18:00:17","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=198807\/"},"modified":"2026-04-08T14:12:48","modified_gmt":"2026-04-08T14:12:48","slug":"chase-ultimate-rewards","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/","title":{"rendered":"Complete Guide to Chase Ultimate Rewards: Best Ways to Earn and Redeem Points"},"content":{"rendered":"<p>Chase Ultimate Rewards is one of the best-known travel rewards programs \u2014 and for good reason. It\u2019s easy to use and offers some of the best value when redeeming points, thanks to a strong lineup of transfer partners and a wide variety of cards that earn them.<\/p>\n<p>This guide covers the best ways to earn and redeem Ultimate Rewards, the credit cards that earn them, how to safeguard your points, and what they\u2019re worth. Let\u2019s dive in.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#How_to_Earn_Chase_Ultimate_Rewards\">How to Earn Chase Ultimate Rewards<\/a><ul><li><a href=\"#Earn_a_credit_card_welcome_bonus\">Earn a credit card welcome bonus<\/a><\/li><li><a href=\"#Refer_friends_or_businesses_to_Chase\">Refer friends or businesses to Chase<\/a><\/li><li><a href=\"#Shop_Through_Chase\">Shop Through Chase<\/a><\/li><li><a href=\"#Earn_bonus_points_with_Chase_Freedom_categories\">Earn bonus points with Chase Freedom categories<\/a><\/li><\/ul><\/li><li><a href=\"#Earn_Points_with_Ultimate_Rewards_Credit_Cards\">Earn Points with Ultimate Rewards Credit Cards<\/a><ul><li><a href=\"#Chase_Sapphire_cards\">Chase Sapphire cards<\/a><\/li><li><a href=\"#Chase_Freedom_cards\">Chase Freedom cards<\/a><\/li><li><a href=\"#Chase_Ink_Businesscards\">Chase Ink Business\u00a0cards<\/a><\/li><li><a href=\"#Supercharge_your_earning_strategy_with_a_Chase_card_pairing\">Supercharge your earning strategy with a Chase card pairing<\/a><\/li><li><a href=\"#Don8217t_forget_about_the_Chase_524_rule\">Don't forget about the Chase 5\/24 rule<\/a><\/li><\/ul><\/li><li><a href=\"#How_Much_Are_Ultimate_Rewards_Points_Worth\">How Much Are Ultimate Rewards Points Worth?<\/a><\/li><li><a href=\"#How_to_Use_Chase_Points\">How to Use Chase Points<\/a><ul><li><a href=\"#Chase_transfer_partners\">Chase transfer partners<\/a><\/li><li><a href=\"#Pay_Yourself_Back\">Pay Yourself Back<\/a><\/li><li><a href=\"#Book_through_Chase_Travel\">Book through Chase Travel\u2120<\/a><\/li><li><a href=\"#Purchase_gift_cards\">Purchase gift cards<\/a><\/li><li><a href=\"#Cash_out_your_points\">Cash out your points<\/a><\/li><li><a href=\"#Cover_Amazon_and_PayPal_purchases\">Cover Amazon and PayPal purchases<\/a><\/li><\/ul><\/li><li><a href=\"#Do_Ultimate_Rewards_Expire\">Do Ultimate Rewards Expire?<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"How_to_Earn_Chase_Ultimate_Rewards\">How to Earn Chase Ultimate Rewards<\/span><\/h2>\n<p>It should come as no surprise, but there are plenty of ways to build your Chase Ultimate Rewards balance.<\/p>\n<h3><span id=\"Earn_a_credit_card_welcome_bonus\">Earn a credit card welcome bonus<\/span><\/h3>\n<p>One of the fastest ways to earn a large number of Chase points is by signing up for an <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-rewards-cards\/\" rel=\"noopener\">Ultimate Rewards credit card<\/a>. Some of these cards are marketed as cash back, but as long as you hold at least one card with access to transfer partners \u2014 like the Chase Sapphire Preferred<sup>\u00ae<\/sup> Card  (<a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=0be1026e6b54e8f433110e3813eafcbb7&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) \u2014 you can combine your rewards across your Chase cards to capture the full value of Ultimate Rewards.<\/p>\n<p>Many of these cards come with generous sign-up bonuses when you meet a minimum spending requirement in the first few months. This can give your balance a serious boost right off the bat.<\/p>\n<div class=\"qs-card\" data-id=\"2061159\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/7e0262fd-5b61-413b-8b01-c8feec5b1d04.png\" alt=\"Chase Sapphire Preferred\u00ae Card\" width=\"150\"\/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Sapphire Preferred\u00ae Card' data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=0be1026e6b54e8f433110e3813eafcbb7&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">Our <a href=\"https:\/\/awardwallet.com\/credit-cards\/best-beginners-rewards-card\/\">#1 recommended beginners rewards card<\/a> featuring a 75,000-point signup bonus after you spend $5,000 on purchases in the first 3 months from account opening. This card comes with great benefits and earns valuable Ultimate Rewards points.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/li><li>Enjoy benefits such as 5x on travel purchased through Chase Travel&#x2120;, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases<\/li><li>Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel&#x2120;<\/li><li>10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.<\/li><li>Count on Trip Cancellation\/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.<\/li><li>Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12\/31\/27. Plus, a $10 promo each month on non-restaurant orders.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>5X points on Lyft rides through September 2027<\/li>\r\n<li>5X points on travel purchased through Chase Travel\u2120<\/li>\r\n<li>3X points on dining at restaurants worldwide<\/li>\r\n<li>3X points on eligible streaming services<\/li>\r\n<li>3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)<\/li>\r\n<li>2X points on all other travel<\/li>\r\n<li>1X point per dollar spent on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SapphirePreferred\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h3><span id=\"Refer_friends_or_businesses_to_Chase\">Refer friends or businesses to Chase<\/span><\/h3>\n<p>The <a target=\"_blank\" href=\"\/credit-cards\/chase-refer-a-friend\/\" rel=\"noopener\">Chase Refer a Friend<\/a> program is another way to build your rewards balance quickly. If someone signs up for a Chase card using your referral link, you\u2019ll earn a bonus \u2014 often 5,000 to 20,000 points per referral.<\/p>\n<p>Just keep in mind that referral bonuses are classified as taxable income and are valued at 1 cent per point. This is one of the few times earning Chase points carries tax implications.<\/p>\n<h3><span id=\"Shop_Through_Chase\">Shop Through Chase<\/span><\/h3>\n<p>The \u201c<a target=\"_blank\" href=\"https:\/\/secure.chase.com\/web\/auth\/?logoff&TYPE=33554433&REALMOID=06-000e6ca5-b42c-1bd0-b819-cce1a9625a5a&GUID=&SMAUTHREASON=0&METHOD=GET&SMAGENTNAME=-SM-luwViOoNwh494AcQo%2bcBvnY%2bDRpPQ1fWi71kiEB8pAayWfnPBKtP2BLEWu9saN0u&TARGET=-SM-https%3a%2f%2fultimaterewardspoints%2echase%2ecom%2f#\/logon\/logon\/chaseOnline\" rel=\"noopener\">Shop Through Chase<\/a>\u201d portal allows you to earn bonus points when you shop with select retailers. Bonus rates vary over time and by store \u2014 from 1x up to 15x per dollar spent. To access this shopping portal, log into your Ultimate Rewards account, go to \u201c<strong>Shopping Experiences<\/strong>,\u201d then select \u201c<strong>Shop & earn bonus points<\/strong>.\u201d<\/p>\n<p>Points usually post in a few days, but in some cases, it can take up to 60 days or two billing cycles.<\/p>\n<figure id=\"attachment_199281\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/447\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-199281 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/chase-shopping-portal-1-300x179.jpeg\" alt=\"Shop Through Chase portal\" width=\"750\" height=\"447\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/chase-shopping-portal-1-300x179.jpeg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/chase-shopping-portal-1-1024x610.jpeg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/chase-shopping-portal-1-768x457.jpeg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/chase-shopping-portal-1.jpeg 1464w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Chase<\/em><\/enter><\/figure>\n<h3><span id=\"Earn_bonus_points_with_Chase_Freedom_categories\">Earn bonus points with Chase Freedom categories<\/span><\/h3>\n<p>Each quarter, the <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-freedom-categories\/\" rel=\"noopener\">Chase Freedom Calendar<\/a> is updated with new purchase categories for which Chase Freedom Flex\u2120 and Chase Freedom<sup>\u00ae<\/sup> cardholders can earn 5% cash back \u2014 or 5X Ultimate Rewards points.<\/p>\n<p>To qualify, you'll need to activate the offer each quarter through your Chase account. The enrollment deadline is typically about two weeks into the final month of the quarter. As long as you meet that requirement, you'll qualify for 5X points on the first $1,500 in combined eligible purchases across the categories. This includes retroactive credit for purchases made earlier in the quarter \u2014 even before you activated.<\/p>\n<p>The Chase Freedom categories tend to feature common purchases for every household budget, like gas, groceries, and dining out. You'll also see some bonuses tied to specific merchants like Amazon. This is a great example of why holding multiple Chase Ultimate Rewards cards can boost your earning potential \u2014 especially when paired with a premium card that unlocks full point value.<\/p>\n<h2><span id=\"Earn_Points_with_Ultimate_Rewards_Credit_Cards\">Earn Points with Ultimate Rewards Credit Cards<\/span><\/h2>\n<p>The <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-rewards-cards\/\" rel=\"noopener\">Ultimate Rewards credit card<\/a> lineup includes both personal and small-business options with a range of benefits and annual fees.<\/p>\n<h3><span id=\"Chase_Sapphire_cards\">Chase Sapphire cards<\/span><\/h3>\n<p>If you want access to travel partners, elevated redemption rates, and travel perks, you'll likely find the ideal fit in one of the two Chase Sapphire credit cards.<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-2 compare-p-chase\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/7e0262fd-5b61-413b-8b01-c8feec5b1d04.png\" alt=\"Chase Sapphire Preferred\u00ae Card\" width=\"150\"\/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Sapphire Preferred\u00ae Card' data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=0be1026e6b54e8f433110e3813eafcbb7&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>5X points on Lyft rides through September 2027<\/li>\r\n<li>5X points on travel purchased through Chase Travel\u2120<\/li>\r\n<li>3X points on dining at restaurants worldwide<\/li>\r\n<li>3X points on eligible streaming services<\/li>\r\n<li>3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)<\/li>\r\n<li>2X points on all other travel<\/li>\r\n<li>1X point per dollar spent on all other purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" alt=\"Chase Sapphire Reserve\u00ae\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/565192b2-c5cc-4edc-89ae-b8bba7a63750.png\" width=\"150\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Sapphire Reserve\u00ae' data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$795<span class=\"compare-terms\"><a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=0cea65de9abd743137d07510aaac46883&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>8x points on all purchases through Chase Travel\u2120<\/li>\r\n<li>4x points on flights and hotels booked directly<\/li>\r\n<li>3x points on dining worldwide<\/li>\r\n<li>1x points on all other purchases<\/li><\/ul><\/div><\/div><\/div>\n<p>The <a data-ccid=\"2061159\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a> charges a modest $95 annual fee and comes with valuable perks like primary car rental insurance and robust trip delay and cancellation protections. Cardholders have full access to Chase transfer partners and get more value when redeeming points through Chase Travel\u2120. The card also offers a $50 annual hotel credit that can be used on Chase Travel bookings.<\/p>\n<p>The <a data-ccid=\"4048084\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve\/\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a> carries a $795 annual fee but comes with premium perks like a $300 annual travel credit, Priority Pass lounge access, and comprehensive travel and purchase protections. You\u2019ll also get full access to Chase transfer partners and receive more value when redeeming points through Chase Travel\u2120.<\/p>\n<p>If you\u2019re not sure which Sapphire card is right for you, check out our full comparison: <a href=\"\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred-vs-reserve\/\">Chase Sapphire Preferred vs Reserve<\/a> \u2014 our guide on how to decide between the two.<\/p>\n<h3><span id=\"Chase_Freedom_cards\">Chase Freedom cards<\/span><\/h3>\n<p>The <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/freedom-credit-card\/\" rel=\"noopener\">Chase Freedom cards<\/a> are a great way earn points in everyday spending categories without paying an annual fee. On their own, they\u2019re cash-back cards, but the rewards you earn become more valuable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred<sup>\u00ae<\/sup> Credit Card (<a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=03af8951524105daff0f339c53e6cbba&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/p>\n<p>The <strong><a data-ccid=\"3006090\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a> <\/strong> (<a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=0399e6147dac7899b325d3e09296b740f&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) is the everyday spending workhorse of the Ultimate Rewards family, earning 1.5% cash back on all eligible purchases. In short, this card is your default choice for any purchase that doesn't fall into a bonus category for another Ultimate Rewards card in your wallet. For anyone who dislikes keeping tabs on which purchase categories earn at the highest rate, this is the perfect card to keep things simple.<\/p>\n<p>The <strong><a data-ccid=\"4048224\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\">Chase Freedom Flex\u2120<\/a> <\/strong> is immensely popular with those who are willing to put in a little work to maximize their rewards. Each quarter, the Freedom Flex card can earn up to 7,500 Chase points through rotating 5% cash-back categories that require activation. The <strong>Chase Freedom<sup>\u00ae<\/sup> <\/strong>(available via product change only) has a similar earning structure, but it's no longer available to new applicants.<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-2 compare-p-chase\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/aef345f2-25d7-4d44-b7c7-e62661f0291c.png\" width=\"150\" alt=\"Chase Freedom Unlimited\u00ae\"\/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nLimited Time Offer: Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Freedom Unlimited\u00ae' data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=0399e6147dac7899b325d3e09296b740f&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5% on purchases through Chase Travel\u2120<\/li>\r\n<li>Earn 3% on dining at restaurants <\/li>\r\n<li>Earn 3% on drugstore purchases <\/li>\r\n<li>Earn 1.5% on all purchases <\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/01\/CardArt-ChaseFreedomFlexCard.png\" width=\"150\" alt=\"Chase Freedom Flex\u2120\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Freedom Flex\u2120<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048224\" href=\"\/blog\/link\/ChaseFreedomFlex\" target=_blank rel=\"noopener nofollow sponsored\">Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5% on up to $1,500 on combined purchases in <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-freedom-categories\/\" =_blank>bonus categories<\/a> each quarter you activate<\/li>\r\n<li>Earn 5% on travel purchased through Chase Ultimate Rewards<\/li>\r\n<li>Earn 3% on dining at restaurants, including takeout and eligible delivery services<\/li>\r\n<li>Earn 3% on drugstore purchases<\/li>\r\n<li>Earn 1% on all other purchases<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<h3><span id=\"Chase_Ink_Businesscards\">Chase Ink Business\u00a0cards<\/span><\/h3>\n<p>If you have any type of business or side hustle, a <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-ink-offers\/\" rel=\"noopener\">Chase Ink Business card<\/a> can help you rack up Ultimate Rewards quickly, with bonus categories tailored to business spending. However, only one Chase Ink card earns transferable Ultimate Rewards on its own.<\/p>\n<p><div class=\"qs-card\" data-id=\"3006145\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/61a11a52-f743-4f5b-b43d-c09fba53aecd.png\" width=\"150\" alt=\"Ink Business Preferred\u00ae Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Preferred\u00ae Credit Card' data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=03af8951524105daff0f339c53e6cbba&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The most valuable Ultimate Rewards signup bonus on offer and our top pick for small business rewards cards. Business owners earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Plus, earn up to 450,000 points per year on a wide range of 3X bonus categories.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/li><li>Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases<\/li><li>Earn 5x total points on Lyft rides through 9\/30\/27.<\/li><li>With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.<\/li><li>Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open<\/li><li>Go further when you book with Chase Travel&#x2120;. Enjoy competitive rates, seamless booking and premium benefits.<\/li><li>Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.<\/li><li>Receive complimentary access to DashPass by DoorDash.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year<\/li>\r\n<li>1X point per $1 on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/InkPreferred\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>In exchange for a modest $95 annual fee, the <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/ink-business-preferred\/\" rel=\"noopener\">Chase Ink Business Preferred<\/a> can unlock the full value of your Ultimate Rewards with access to transfer partners and a boost in value when you redeem through Chase Travel\u2120. And for businesses with significant spending, this card can supercharge your earnings with 3X points on the first $150,000 in combined purchases each year across select business categories.<\/p>\n<p>The other two cards in the Chase Ink lineup have no annual fee and are marketed as cash-back products. Like with the Freedom cards, the rewards earned on these cards become more valuable when combined with the Ink Preferred or a Sapphire card that carries an annual fee.<\/p>\n<p>The <a data-ccid=\"340040\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-cash\/\">Ink Business Cash<sup>\u00ae<\/sup> Credit Card<\/a>  (<a data-ccid=\"340040\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005141&type=3&u1=08af699dce4a7244cb3b38dae73673a4&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) offers some of the best earning rates you'll find anywhere on select business categories, although there are annual caps on how much spending qualifies for those elevated rates. If this card is a good match for your business spending patterns, it's a clear winner.<\/p>\n<p>The <a data-ccid=\"4048113\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/ink-business-unlimited\/\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/a>  (<a data-ccid=\"4048113\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005144&type=3&u1=f72bbd29d12037887eb266167ce894ef&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) is the perfect alternative for businesses that don't have significant spending in categories rewarded by other Ink Business cards. It's also the card to grab once you've reached the annual spending caps on bonus categories. With a flat 1.5% cash back on all eligible purchases, this card offers the best overall earning rate on everyday business expenses.<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-2 compare-p-chase\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/34658cdd-f2cb-4b12-9a5a-b2b77c2cc649.png\" width=\"150\" alt=\"Ink Business Cash\u00ae Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Ink Business Cash<sup>\u00ae<\/sup> Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 when you spend $6,000 on purchases in the first three months after account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Cash\u00ae Credit Card' data-ccid=\"340040\" href=\"\/blog\/link\/InkCashBusinessCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"340040\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005141&type=3&u1=08af699dce4a7244cb3b38dae73673a4&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year<\/li>\r\n<li>2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year<\/li>\r\n<li>1% cash back on all other card purchases with no limit to the amount you can earn<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/8100b780-26ef-4eda-862f-cfbf7bed342c.png\" width=\"150\" alt=\"Ink Business Unlimited\u00ae Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Ink Business Unlimited<sup>\u00ae<\/sup> Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Unlimited\u00ae Credit Card' data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"4048113\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005144&type=3&u1=f72bbd29d12037887eb266167ce894ef&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn unlimited 1.5% cash back on every purchase made for your business<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<h3><span id=\"Supercharge_your_earning_strategy_with_a_Chase_card_pairing\">Supercharge your earning strategy with a Chase card pairing<\/span><\/h3>\n<p>Chase offers excellent category bonuses across its cards \u2014 but the real magic happens when you combine them.<\/p>\n<p>For example, pairing the <a data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" rel=\"noopener nofollow sponsored\">Freedom Unlimited<\/a>, <a data-ccid=\"4048224\" href=\"\/blog\/link\/ChaseFreedomFlex\" target=_blank rel=\"noopener nofollow sponsored\">Freedom Flex<\/a>, and <a data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" rel=\"noopener nofollow sponsored\">Sapphire Preferred<\/a> gives you:<\/p>\n<ul>\n<li>5x on Chase Travel\u2120 and rotating quarterly categories<\/li>\n<li>3x on dining, drugstores, and streaming<\/li>\n<li>2x on other travel<\/li>\n<li>1.5x on everything else<\/li>\n<li>Up to 1.5 cents per point (depending on your specific redemption) when redeeming points through Chase Travel<\/li>\n<\/ul>\n<figure id=\"attachment_179292\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-179292 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Credit-Card-Mikhail-Nilov-Featured.png\" alt=\"Man holding a credit card and looking at his cell phone.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Credit-Card-Mikhail-Nilov-Featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Credit-Card-Mikhail-Nilov-Featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Credit-Card-Mikhail-Nilov-Featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Credit-Card-Mikhail-Nilov-Featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Mikhail Nilov\/Pexels<\/em><\/enter><\/figure>\n<p>Swapping in the <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Sapphire Reserve<\/a> increases your annual fee burden to $795 but adds:<\/p>\n<ul>\n<li><a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve-travel-credit\/\" rel=\"noopener\">$300 travel credit<\/a><\/li>\n<li>8x points on all purchases through Chase Travel\u2120<\/li>\n<li>Up to 100% more value (up to 2 cents per point, depending on the redemption) when redeeming points through Chase Travel\u2120<\/li>\n<li>Lounge access and stronger travel protections<\/li>\n<\/ul>\n<p>Business users can combine <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a>, <a data-ccid=\"340040\" href=\"\/blog\/link\/InkCashBusinessCard\" rel=\"noopener nofollow sponsored\">Ink Cash<\/a>, and <a data-ccid=\"4048113\" href=\"\/blog\/link\/InkBusinessUnlimitedCreditCard\" rel=\"noopener nofollow sponsored\">Ink Unlimited<\/a> for:<\/p>\n<ul>\n<li>5x on office supplies, internet, cable, and phone services (on the first $25,000 in combined purchases each year)<\/li>\n<li>3x on travel, shipping, and select advertising (on the first $150,000 in combined purchases each year)<\/li>\n<li>2x on dining and gas (on the first $25,000 in combined purchases each year)<\/li>\n<li>1.5x on all other eligible purchases<\/li>\n<li>$95 per year in annual fees<\/li>\n<\/ul>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-rewards-card-combo\/\" rel=\"noopener\">Best Chase Credit Card Combinations: From Simple 2-Card Setups to 5-Card Power Combos<\/a><\/strong><\/p>\n<h3><span id=\"Don8217t_forget_about_the_Chase_524_rule\">Don't forget about the Chase 5\/24 rule<\/span><\/h3>\n<p>If you're going to apply for a Chase card, it's important to understand the <a target=\"_blank\" href=\"\/credit-cards\/chase-5-24-rule\/\" rel=\"noopener\">Chase 5\/24 rule<\/a>. This unofficial but well-established policy means that if you\u2019ve opened five or more personal credit cards (from any issuer) in the past 24 months, you won\u2019t be approved for a new Chase card.<\/p>\n<p>Business cards generally don\u2019t count toward your 5\/24 number \u2014 but you still must be under 5\/24 to get approved for one.<\/p>\n<figure id=\"attachment_107376\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-107376 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/frugal-flyer-chase-bank-featured.png\" alt=\"the Chase logo is visible above an ATM and a bank entrance\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/frugal-flyer-chase-bank-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/frugal-flyer-chase-bank-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/frugal-flyer-chase-bank-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/05\/frugal-flyer-chase-bank-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Frugal Flyer\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"How_Much_Are_Ultimate_Rewards_Points_Worth\">How Much Are Ultimate Rewards Points Worth?<\/span><\/h2>\n<p>Ultimate Rewards points are worth an average of 2.01\u00a2 apiece <a target=\"_blank\" href=\"\/point-mile-values\/Chase\" rel=\"noopener\">based on actual AwardWallet user redemptions<\/a>. However, when you redeem them for award flights via Chase's transfer partners, the value varies a bit more:<\/p>\n<ul class=\"ak-ul\" data-indent-level=\"1\">\n<li><strong>Short-haul economy:<\/strong>\u00a01.39\u00a2<\/li>\n<li><strong>Long-haul economy:\u00a0<\/strong>1.65\u00a2<\/li>\n<li><strong>Short-haul business\/first:<\/strong>\u00a02.39\u00a2<\/li>\n<li><strong>Long-haul business\/first:\u00a0<\/strong>3.1\u00a2<\/li>\n<\/ul>\n<p><strong>Related: <a target=\"_blank\" href=\"\/features\/awardwallet-mile-valuations\/\" rel=\"noopener\">How Much Do AwardWallet Members Actually Save When Redeeming Points?<\/a><\/strong><\/p>\n<h2><span id=\"How_to_Use_Chase_Points\">How to Use Chase Points<\/span><\/h2>\n<p>The <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/best-way-to-use-chase-points\/\" rel=\"noopener\">best use of Chase points<\/a> comes down to your travel goals and understanding of the available options. The best thing about Ultimate Rewards is their flexibility. Whether you're just learning the ropes or a seasoned points expert, Chase makes it easy to turn your rewards into something valuable.<\/p>\n<h3><span id=\"Chase_transfer_partners\">Chase transfer partners<\/span><\/h3>\n<p>With rare exceptions, the highest-value way to redeem your Ultimate Rewards is to transfer them to one of 14 <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\" rel=\"noopener\">Chase travel partners<\/a>.<\/p>\n<p>Some award programs will provide better value than others, but you generally can't go wrong by transferring Ultimate Rewards to World of Hyatt or an airline partner like United MileagePlus, Virgin Atlantic, and Air Canada.<\/p>\n<p>Chase partners with 10 airline loyalty programs:<\/p>\n<div class=\"transfer-times\"><div class=\"tt-row\"><div class=\"tt-head tt-from\">From<\/div><div class=\"tt-head tt-to\">To<\/div><div class=\"tt-head tt-ratio\">Transfer Ratio<\/div><div class=\"tt-head tt-mintransfer\">Min.Transfer<\/div><div class=\"tt-head tt-avg\">Average Time<\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Aer Lingus (AerClub)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Air Canada (Aeroplan)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,200<div class=\"tt-bonus\"><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/chase-ultimate-rewards\/aeroplan-transfer-bonus\/\">20% transfer bonus through April 30, 2026<\/a> (up to 30% for Aeroplan cardholders).<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">47 minutes<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/flying-blue-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Air France (Flying Blue)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/airlines\/british-airways-club\/british-airways-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">British Airways (Club)<\/a><div class=\"tt-to-region\">United States<\/div><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Emirates (Skywards & Business Rewards)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\"><div class=\"tt-bonus\"><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/chase-ultimate-rewards\/emirates-partnership\/\">Emirates dropped as a Chase transfer partner on October 16, 2025<\/a>.<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Iberia Plus<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>JetBlue Airways (TrueBlue)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/flying-blue-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">KLM (Flying Blue)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Singapore Airlines (KrisFlyer)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">1 day<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Southwest Airlines (Rapid Rewards)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>United Airlines (Mileage Plus)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Virgin Atlantic (Flying Club)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><\/div>\n<p>And four hotel loyalty programs:<\/p>\n<div class=\"transfer-times\"><div class=\"tt-row\"><div class=\"tt-head tt-from\">From<\/div><div class=\"tt-head tt-to\">To<\/div><div class=\"tt-head tt-ratio\">Transfer Ratio<\/div><div class=\"tt-head tt-mintransfer\">Min.Transfer<\/div><div class=\"tt-head tt-avg\">Average Time<\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Hyatt (World of Hyatt)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>IHG Hotels & Resorts (One Rewards)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,700<div class=\"tt-bonus\"><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/chase-ultimate-rewards\/ihg-transfer-bonus\/\">70% transfer bonus through April 30, 2026<\/a>.<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">5 hours<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/hotels\/marriott-bonvoy\/marriott-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Marriott (Bonvoy)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">2 days<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Wyndham Rewards<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><\/div>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/how-to-transfer-chase-points\/\" rel=\"noopener\">How to Transfer Chase Ultimate Rewards Points<\/a><\/strong><\/p>\n<h3><span id=\"Pay_Yourself_Back\">Pay Yourself Back<\/span><\/h3>\n<p><a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-pay-yourself-back\/\" rel=\"noopener\">Chase Pay Yourself Back<\/a> offers a fixed cash value for each point redeemed toward eligible categories of purchases. Although this feature was initially launched as a temporary redemption option during the pandemic, it has endured as a straightforward way to exchange your points for a statement credit.<\/p>\n<p>The Pay Yourself Back feature is available on select cards, including those that earn Ultimate Rewards and a handful of co-branded cards tied to specific airlines or hotels.<\/p>\n<h3><span id=\"Book_through_Chase_Travel\">Book through Chase Travel\u2120<\/span><\/h3>\n<p>The <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-travel-portal\/\" rel=\"noopener\">Chase Travel portal<\/a> is a website you can use to book flights, hotels, rental cars, cruises, and more. You can redeem Ultimate Rewards points towards these purchases at fixed rates that vary depending on which card you use.<\/p>\n<ul>\n<li>Up to 2 cents per point (depending on your specific redemption) with <a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Sapphire Reserve<\/a><\/li>\n<li>Up to 1.5 cents per point (depending on your specific redemption) with <a data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" rel=\"noopener nofollow sponsored\">Sapphire Preferred<\/a> or up to 1.75 cents per point (depending on your specific redemption) with\u00a0 <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a><\/li>\n<li>1 cent per point with Ultimate Rewards cards that don't charge an annual fee<\/li>\n<\/ul>\n<figure id=\"attachment_199286\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/348\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-199286 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/chase-travel-portal-2025-300x139.png\" alt=\"Chase Travel portal homepage\" width=\"750\" height=\"348\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/chase-travel-portal-2025-300x139.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/chase-travel-portal-2025-1024x475.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/chase-travel-portal-2025-768x356.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/02\/chase-travel-portal-2025.png 1461w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Chase<\/em><\/enter><\/figure>\n<h3><span id=\"Purchase_gift_cards\">Purchase gift cards<\/span><\/h3>\n<p>Chase offers a wide selection of gift cards that you can purchase with points at a value of 1 cent apiece.<\/p>\n<h3><span id=\"Cash_out_your_points\">Cash out your points<\/span><\/h3>\n<p>You can redeem points for cash as a statement credit or direct deposit at a rate of 1 cent per point. This isn't an ideal way to redeem your points, but it\u2019s an option when you need some extra financial flexibility.<\/p>\n<h3><span id=\"Cover_Amazon_and_PayPal_purchases\">Cover Amazon and PayPal purchases<\/span><\/h3>\n<p>You can also use points to checkout via Amazon or PayPal \u2014 but you\u2019ll only get 0.8 cents per point. This is one of the least valuable ways to redeem your Chase points.<\/p>\n<figure id=\"attachment_179295\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-179295 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Credit-Card-Laptop-Featured-Sora-Shimazaki-Pexels.jpg\" alt=\"Man Holding His Credit Card\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Credit-Card-Laptop-Featured-Sora-Shimazaki-Pexels.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Credit-Card-Laptop-Featured-Sora-Shimazaki-Pexels-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Credit-Card-Laptop-Featured-Sora-Shimazaki-Pexels-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Credit-Card-Laptop-Featured-Sora-Shimazaki-Pexels-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Sora Shimazaki\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Do_Ultimate_Rewards_Expire\">Do Ultimate Rewards Expire?<\/span><\/h2>\n<p><a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/do-chase-points-expire\/\" rel=\"noopener\">Chase points do not expire<\/a> as long as your account remains open. However, if you close a card, you\u2019ll lose any unspent points associated with that card unless you move them to another Chase card you plan to keep \u2014 or transfer them to a Chase airline or hotel partner. Fortunately, Chase makes it easy to <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/how-to-combine-chase-points\/\" rel=\"noopener\">move points between your Ultimate Rewards cards<\/a>.<\/p>\n<p>Remember, your ability to transfer points depends on holding a card that offers access to Chase partners. Closing the wrong card can limit your options to spend your points and reduce the value of the rewards you already have. Make sure you have a plan before you close a card.<\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>Chase Ultimate Rewards is a powerhouse program. With valuable earning opportunities, top-tier transfer partners, and flexible redemptions, it offers something for nearly every traveler. Whether you're building your entire points strategy around Chase or using it alongside other programs, this is one rewards ecosystem you don't want to overlook.<\/p>\n<div class=\"qs-card\" data-id=\"2061159\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/7e0262fd-5b61-413b-8b01-c8feec5b1d04.png\" alt=\"Chase Sapphire Preferred\u00ae Card\" width=\"150\"\/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Sapphire Preferred\u00ae Card' data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=0be1026e6b54e8f433110e3813eafcbb7&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">Our <a href=\"https:\/\/awardwallet.com\/credit-cards\/best-beginners-rewards-card\/\">#1 recommended beginners rewards card<\/a> featuring a 75,000-point signup bonus after you spend $5,000 on purchases in the first 3 months from account opening. This card comes with great benefits and earns valuable Ultimate Rewards points.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/li><li>Enjoy benefits such as 5x on travel purchased through Chase Travel&#x2120;, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases<\/li><li>Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel&#x2120;<\/li><li>10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.<\/li><li>Count on Trip Cancellation\/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.<\/li><li>Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12\/31\/27. Plus, a $10 promo each month on non-restaurant orders.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>5X points on Lyft rides through September 2027<\/li>\r\n<li>5X points on travel purchased through Chase Travel\u2120<\/li>\r\n<li>3X points on dining at restaurants worldwide<\/li>\r\n<li>3X points on eligible streaming services<\/li>\r\n<li>3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)<\/li>\r\n<li>2X points on all other travel<\/li>\r\n<li>1X point per dollar spent on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SapphirePreferred\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Chase Ultimate Rewards is one of the best-known travel rewards programs. It\u2019s not only easy to use, but it also offers some of the best value when redeeming points thanks to a strong lineup of transfer partners and a wide variety of cards that earn them. This guide covers the best ways to earn and redeem points, the credit cards that earn them, what they\u2019re worth, and more.<\/p>\n","protected":false},"author":99,"featured_media":156134,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12068],"tags":[12709],"coauthors":[36477],"class_list":["post-198807","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-award-programs","tag-chase-ultimate-rewards"],"acf":[],"yoast_head":"<title>Complete Guide to Chase Ultimate Rewards - 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